US008715066B2
`
`(12) United States Patent
`Prather et al.
`
`(10) Patent No.:
`(45) Date of Patent:
`
`US 8,715,066 B2
`May 6, 2014
`
`(54) SYSTEMAND METHOD FOR ELECTRONIC
`FUNDTRANSFERS FOR USE WITH GAMING
`SYSTEMS
`
`(56)
`
`References Cited
`
`U.S. PATENT DOCUMENTS
`
`(75) Inventors: John B. Prather, Las Vegas, NV (US);
`Will W. Graylin, Saugus, MA (US);
`David M. Weiss, Las Vegas, NV (US);
`Stephen L. Warner, Zephyr Cove, NV
`(US); George J. Akmon, Southlake, TX
`(US); Ronald L. Bishop, Reno, NV
`(US)
`
`(73) Assignee: Automated Cash Systems, LLC,
`Zephyr Cove, NV (US)
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 0 days.
`
`(*) Notice:
`
`(21) Appl. No.: 13/156,444
`
`(22) Filed:
`(65)
`
`Jun. 9, 2011
`O
`O
`Prior Publication Data
`US 2012/0142403 A1
`Jun. 7, 2012
`Related U.S. Application Data
`(60) Provisional application No. 61/354,339, filed on Jun.
`14, 2010.
`
`298.)
`(2012.01)
`(2006.01)
`
`(51) Int. Cl.
`C 2WOg
`G06O20/10
`G07F 17/32
`(52) U.S. Cl.
`CPC .......... G06O20/027 (2013.01); G06O20/1085
`(2013.01); G07F 17/32 (2013.01)
`USPC .................................. 463/25: 463/29: 463/42
`(58) Field of Classification Search
`CPC. G06Q 20/027; G06Q 20/1085; G06Q 20/18:
`G06Q 20/204; G06Q 20/206; G07F 17/32:
`GO7F 1972O
`USPC .......................................... 463/25, 29, 40, 42
`See application file for complete search history.
`
`
`
`9/1996 Schulze et al.
`5,557,086 A ck
`6,304,860 B1 * 10/2001 Martin et al. ................... TO5/43
`(Continued)
`FOREIGN PATENT DOCUMENTS
`
`GB
`
`246 1975
`
`1/2010 .............. GO7F 19.00
`
`Primary Examiner — Michael Cuff
`
`ABSTRACT
`(57)
`An electronic fund transfer (EFT) system for managing and
`transferring electronic funds from a user's financial account
`to a credit System includes a credit System configured to
`dispense credit to a user via physical or electronic credit
`means, an electronic fund transfer (EFT) device, a secure
`payment gateway configured to connect to the user's financial
`accounts via a financial asynchronous transfer mode (ATM)
`network, a host system connected to the credit System via a
`local network, a funds management portal connected to the
`host system and the secure payment gateway, and means for
`transferring electronic funds from the user's financial account
`to the credit system via the secure payment gateway. The
`funds management portal accounts and reconciles the trans
`ferred electronic funds. All communications between the
`secure payment gateway and the host system pass through the
`funds management portal. The EFT device includes a secure
`client-side application for receiving instructions from the
`user for transferring electronic funds from the user's financial
`account to the credit System and means for transmitting the
`fund transfer instructions to the user's financial account. The
`EFT device is configured to connect to the secure payment
`gateway and to communicate with the user's financial
`account and to transmit the instructions for transferring elec
`tronic funds from the user's financial account to the credit
`system via the secure payment gateway.
`
`42 Claims, 6 Drawing Sheets
`
`sts,
`
`EVERI EX. 1033; Page 1
`Everi v. Sightline IPR2022-00707
`
`

`

`(56)
`
`References Cited
`
`U.S. PATENT DOCUMENTS
`
`2005, 01 07155 A1* 5, 2005 Potts et al. ...................... 463,25
`2005/02669 19 A1 12/2005 Rowe et al.
`2006.0160610 A1
`7, 2006 Potts
`2006/0172798 A1
`8/2006 Crowder, Jr. et al.
`2006/0205481 A1
`9, 2006 Dominelli
`1/2003 Weiss
`6,511,377 B1
`2006/0218091 A1* 9/2006 Choy .............................. TO5/40
`4/2003 Foodman et al.
`6,547,131 B1
`2007/0225,068 A1
`9, 2007 Weiss
`6,793,134 B2 * 9/2004 Clark ............................ 235,379
`2007/0246531 A1* 10, 2007 Dabrowski .................... 235,381
`6,890,258 B2
`5, 2005 Weiss
`2007/0282858 A1* 12, 2007 Arner et al. ..................... 707/10
`6,997,807 B2
`2/2006 Weiss
`2008, OO15014 A1
`1/2008 Weiss
`7,004,837 B1
`2/2006 Crowder, Jr. et al.
`2008.0113776 A1
`5/2008 Sommer
`7,217,190 B2
`5, 2007 Weiss
`2008. O139303 A1
`6/2008 Patterson
`7,232,371 B2
`6, 2007 Gatto et al.
`2008/0153583 Al
`6/2008 Huntley et al.
`7,819,742 B2 10/2010 Chamberlain et al.
`7,844,255 B2 * 1 1/2010 Petrov et al. .................. 455,411 SIA: "...S. Sea
`eley et al.
`2003,0003996 Al
`1, 2003 Nguyen et al.
`2009/0005159 A1
`1/2009 Netley et al.
`2003/00831.27 A1
`5, 2003 Weiss
`2009/0099965 A1 * 4/2009 Grant, IV ........................ TO5/41
`2003/0O87692 A1
`5, 2003 Weiss
`2009, O131146 A1
`5/2009 Arezina et al.
`2010/0222132 A1
`9/2010 Sanford etal
`2004/0087360 A1
`5, 2004 Chamberlain et al.
`2004/014.7309 A1
`7/2004 Chamberlain et al.
`2005/0090308 A1
`4, 2005 Weiss
`
`US 8,715,066 B2
`Page 2
`
`* cited by examiner
`
`EVERI EX. 1033; Page 2
`Everi v. Sightline IPR2022-00707
`
`

`

`U.S. Patent
`
`May 6, 2014
`
`Sheet 1 of 6
`
`US 8,715,066 B2
`
`
`
`11 O
`
`139
`Acs FUNDs
`| MANAGEMENT
`PORTAL
`
`13O
`
`129
`
`111
`
`- RoAMPAYMENT
`GATEWAY
`
`16O
`
`ATM Debit Payment Network
`(PLUS, STAR, CIRRUS, INTERLINK,
`MONEY PASS, etc.)
`150
`
`
`
`user BANK
`ACCOUNT 1
`
`useRBANK
`ACCOUNT 2
`
`USER BANK
`Account 3
`
`FIG. 1
`
`EVERI EX. 1033; Page 3
`Everi v. Sightline IPR2022-00707
`
`

`

`U.S. Patent
`
`May 6, 2014
`
`Sheet 2 of 6
`
`US 8,715,066 B2
`
`13O Y.
`
`r-3-XXX-X-W-X-X-X-3-r-Xas-rxxna
`ACS Operator
`User Application
`
`137
`
`X
`
`
`
`:
`
`ACS Data Base 135
`Encrypted Data:
`Transaction ID 133
`Gaming Device D
`Patron Name
`Transaction Value
`Date & Time
`
`Firewall between ACS
`FMP and Host System, 36
`-S3X
`ACS Interface
`8
`8 &
`Communication to
`Host System
`134
`
`
`
`ACS Interface
`8
`| Communication to
`Roam Payment
`Gateway 132
`
`
`
`
`
`
`
`Firewall betweenACS
`FMP and Roam Payment
`Gateway
`
`:
`
`;
`
`:
`
`?
`
`:
`
`:
`
`s
`
`:
`
`:
`
`EVERI EX. 1033; Page 4
`Everi v. Sightline IPR2022-00707
`
`

`

`U.S. Patent
`
`May 6, 2014
`
`Sheet 3 of 6
`
`US 8,715,066 B2
`
`110 Y.
`
`
`
`DISPLAY
`
`KEYPADPIN ENTRY
`
`114
`
`PAYMENT CARD READER 116
`
`CONNECTIVITY MODULES
`118
`
`PRINTER/PRINTERPORT f f
`
`EFT APPLICATIONS 115
`
`FIG. 3
`
`EVERI EX. 1033; Page 5
`Everi v. Sightline IPR2022-00707
`
`

`

`U.S. Patent
`
`May6, 2014
`
`Sheet 4 of 6
`
`US 8,715,066 B2
`
`ROAM PAYMENT GATEWAY
`
`LARAAMAABBAABRAADEOONASEDBESABASARIDDARADSAONAN
`InnneenaennnennennnanneanieansnnennannenanananansnanennanmnensnannnnnteLaneamsanmnenarananansnanennnenanennnannnansnanennnenny
`
`ie
`
`e
`
`RavenRakeway Pith
`
`erent
`
`>&|a8eois3=a
`
`nadiePhaser
`
`
`
`FIG. 4
`
`Page 6
`EVERI EX. 1033
`Everi v. Sightline IPR2022-00707
`
`9
`
`EVERI EX. 1033; Page 6
`Everi v. Sightline IPR2022-00707
`
`
`
`
`
`

`

`U.S. Patent
`
`May6, 2014
`
`Sheet 5 of 6
`
`US 8,715,066 B2
`
`400
`
`
`
`™| Userslides Debit oard in the EFT device 407 |
`
`
`Apphoation Pisyer (AP) in the bFTdevice sends a SOAP
`
`request io Roam Payment Gatewayintermediary server 8S}
`io cannect with the ATM network of the bank account
`associated with the Debt card $02
`
`iS checks detsbasce and # this is an sccepiable Dahl card It sencis a
`SOAP response to EFT device containing the Ul ofthe bank account
`
`
`
`
`
`associated! with the Debit cand 4b%
`
`
`|Ulraquesis auser nameand PIN: UserentersPINandsenda
`j
`Hie iS eng
`
`
`
`
`
`
`iS sends a request containing a GLAD for the bank account associaied 7
`with tha Qebdt card, user's bank account inonnaian
`and the user's PIN to the Debit Nebaork server 2Q8
`
`
`
`1 Oebs Network server senda the neorived information
`io the spectied bank acccurt server 408
`
`
`
`
`
`| Bank account server confinns accees through tha Debt Nekwork to i Roam Payment Gateway 1S
`
`
`
`Roam Payment Gateway ISconfinnsaccess lo EFT and LH
`presente avaiable raresctiors ( fund farsher: withdrawal:
`depesit balance inquiry } io user $8
`
`
`
`
`
`
`User selects deared transaction and enterstransaction details
`| Parmount gaming device, aichin Ui fiaids: AP sends SOAP renuest tp iS. dog
`
`
`
`
`
`
`
`
`
`
`iS receives the SOAP renuest, determines apnroprinie Debit network server
`|
`for the requested iransaction and sends 8 request to the Debi network server
`|
`for providing ihe muuested ransection 413
`
`
`
`
`
`
`
`Debit network server sends requesied ransactionto |
`approprigie bank account server 47%
`
`FIG. 5
`
`Contin
`
`rs.
`
`EVERI EX. 1033; Page 7
`Everi v. Sightline IPR2022-00707
`
`EVERI EX. 1033; Page 7
`Everi v. Sightline IPR2022-00707
`
`

`

`U.S. Patent
`
`May 6, 2014
`
`Sheet 6 of 6
`
`US 8,715,066 B2
`
`:: wo
`
`tite
`it is,
`Bark Accokirt server processes requested transactice, seixis or receives
`isixis 8x8 transaction coirs:tics to 8xxas: 888: 3ateway 8 wia
`;: A 8: 8:w8xx:
`
`
`
`
`
`8 &eixis a saxtix: xxxiiratics to E tiewice it:
`
`is sends transaction details and iirds to ACS Furtis warragement
`^osta
`8:8; it is
`
`
`
`3888 & 3888&tx383 ce: 838:388 x 38
`&S :
`aggx{g}{38 ga:::::g £888 syst: wi& 8 838: systs:::::::
`
`
`
`*ics: system raisits 88 8xis to six: aggr:}priate gettig credit syster 88
`8 ticket gris: 888xxiesex wi: 8 8:38xxxix. 833xiate g8::::g {{xx:
`
`
`
`X
`
`iiser receives the six tick: with the creditex
`facis, ticket car be insertex is a garring device or
`8:38x33: 4; if
`
`
`
`FIG. 6
`
`EVERI EX. 1033; Page 8
`Everi v. Sightline IPR2022-00707
`
`

`

`US 8,715,066 B2
`
`1.
`SYSTEMAND METHOD FOR ELECTRONIC
`FUNDTRANSFERS FOR USE WITH GAMING
`SYSTEMS
`
`CROSS REFERENCE TO RELATED
`CO-PENDING APPLICATIONS
`
`This application claims the benefit of U.S. provisional
`application Ser. No. 61/354,339 filed on Jun. 14, 2010 and
`entitled SYSTEMAND METHOD FORWIRELESSELEC
`10
`TRONIC FUNDTRANSFERS FOR USE WITH GAMING
`SYSTEMS which is commonly assigned and the contents of
`which are expressly incorporated herein by reference.
`
`FIELD OF THE INVENTION
`
`15
`
`The present invention relates to a system and a method for
`electronic fund transfers, and in particular to electronic fund
`transfers for use with gaming systems.
`
`BACKGROUND OF THE INVENTION
`
`2
`while the patron plays at the gaming oramusement device and
`enables the patron to retrieve his funds at any time. Therefore,
`gaming and amusement devices do not require the patron to
`input a wagerable or playable amount of money in the gaming
`or amusement device each time the player wishes to play a
`device. When the patron wins, the gaming or amusement
`devices do not require the patron to immediately take the
`winnings, if the patron desires to continue play. Furthermore,
`gaming or amusement devices provide a mechanism by
`which the patron can input and maintain a pool of money (i.e.,
`credits) or for amusement credits of non-cash value in the
`gaming or amusement device to play many games of the
`gaming or amusement device. The gaming or amusement
`device can also accumulate and store the patrons winnings
`When the patron wishes to stop playing, the gaming or
`amusement devices provide a mechanism by which the patron
`can retrieve the money or non-cash value credits that remain
`in the pool. Accordingly, there is a need for an efficient fund
`transfer process to a gaming or amusement device that does
`not include the inefficient conversion of funds from bank
`accounts to cash to credit. There is also a need for a fund
`transfer process to a gaming or amusement device that does
`not require a large amount of cash in float in the gaming or
`amusement devices throughout the gaming or amusement
`facility. There is also a need for a less costly way for providing
`funds for gaming/amusement purposes.
`Problems facing the current electronic funds transfer sys
`tems include security and fund transfer confirmation. Many
`regulatory agencies do not approve electronic funds transfer
`systems that do not confirm the fund transfer, i.e., there is no
`lasting evidence that a fund transfer has occurred. Therefore
`the electronic fund transfer system needs to provide such
`evidence, so that electronic funds transfers can occur in a
`more secure fashion. Accordingly, there is a need to make a
`secure electronic funds transfer system. A further need exists
`to provide evidence of the electronic transaction. A still fur
`ther need exists to provide a wireless electronic fund transfer
`system designed to place the funds in the patron’s hands
`rather than directly in the credit meter of the gaming device.
`Further, in current gaming systems, because the transfer of
`money to game play is seamless, the gaming or amusement
`device is required to have the ability to send and receive
`authorization information, realize an amount of money that
`has been transferred, convert the money amount into a game
`or amusement credit amount, add or subtract an amount of
`credits that the player thereafter wins or loses and issue an
`appropriate cash out when the player desires. Accordingly,
`the game device's processor handles the normal game
`accounting in combination with the electronic funds transfer
`accounting.
`Card and/or ticket systems are also used in connection with
`gaming or amusement machines, in cases where the gaming
`or amusement machines issue and accept cards and/or tickets
`in lieu of money. Such systems provide a workable cashless
`system on a local or property level. The casino operator
`redeems an amount of money from the card system for the
`assigned card and/or from the value imprinted on the ticket
`through visual inspection or via a ticket validation system.
`Card and/or ticketing systems are advantageous because they
`reduce the amount of cash transactions and the need for the
`patron to transport and hold large amounts of cash or coins.
`Consequently, ticketing systems have become common in
`most gaming and amusementjurisdictions. Various manufac
`turers produce these types of ticketing systems. These sys
`tems require each machine to have a card reader and/or ticket
`printer.
`
`25
`
`30
`
`40
`
`45
`
`Currently the primary method of transferring funds into a
`gaming device is through cash, or cash equivalent, e.g., “cash
`value tickets’, or ticket-in/ticket-out (TITO) tickets. Simi
`larly, funds are transferred into an amusement device through
`cash, 'cash value cards, game tokens or coupons. The funds
`are usually converted into gaming or amusement credits
`through a cash acceptance device, e.g. bill acceptor or card
`reader, associated with the gaming device. The gaming or
`amusement credits are then exported onto cash value tickets
`or value on a card to be used in a gaming or amusement
`facility. At the discretion of the patron, the gaming or amuse
`ment credits can be redeemed and converted back into cash. A
`ticketing system or a value card system is used to read the
`35
`tickets, print tickets, or write onto the value card the amount
`to be cashed out at an external kiosk or cashier station.
`A patron usually accesses funds in his financial account via
`an Asynchronous Transfer Mode (ATM) machine or cash
`machine. While playing a game, if a patron runs out of cash
`and needs to access the funds in his bank account, he must
`stop the play at the gaming oramusement device, find an ATM
`machine, extract cash, convert the cash into cash equivalent
`(if necessary) and then return to the gaming or amusement
`device, and if it is not already occupied, insert the cash or the
`cash equivalent into the gaming or amusement device to
`continue play. Many players find this interruption in the gam
`ing process not desirable, primarily because they don’t want
`to loose their gaming device or position. Therefore there is a
`need for a more convenient way for the patrons to access their
`funds while playing in a gaming or amusement device with
`out having to leave their device or position.
`An ATM or a cash machine operates over an ATM network
`such as NYCE, PLUS, STAR, to transfer money from a
`cardholder's financial account to the ATM operators
`account. The ATM operator or the property owner of the
`facility where the ATM is positioned and operated is respon
`sible for loading the cash supply in the ATM, for the security
`of the cash, and for the maintenance of the ATM machine.
`Normally an ATM is connected to an ATM network, which is
`then connected to the customers’ financial account. Financial
`institutions and banks have signed contracts with the ATM
`network to transfer money out of the customer's financial or
`bank account to the ATM network, and the ATM network pays
`the operator of the ATM.
`Agaming device that accepts cash or cash equivalent funds
`from a patron, holds the funds in the form of “game credits'
`
`50
`
`55
`
`60
`
`65
`
`EVERI EX. 1033; Page 9
`Everi v. Sightline IPR2022-00707
`
`

`

`US 8,715,066 B2
`
`3
`The role of the card reader device and/or ticketing
`machines has recently been expanded to enable patrons to
`redeem the card value and/or ticketatagaming or amusement
`device. As before, the card and/or ticketing system issues cash
`out card credit to the card system and/or ticket in response to
`a patron’s cash out request. In the expanded role, the cash out
`card and/or ticket includes information that enables the
`patron to present the card and/or ticket to a cashier or redemp
`tion machine, as before, or to re-insert the card and/or ticket
`into a gaming or amusement device configured to accept card
`and/or ticket transactions.
`In this expanded role, the card and/or ticket accepting
`gaming or amusement devices must now contain a card and/
`or ticket reader as well as the card system communication
`and/or ticket printer. In the expanded system, the cash out
`card communicates with a local card system which tracks
`date and time of cash out credits for the identification card and
`the ticket typically contains a barcode, a written ticket
`amount, the time and date of printing, a numerical represen
`tation of the barcode and other identification and validation
`information specific to the property. To redeem the card and/
`or ticket for its cash or non-cash value, the patron either
`presents the card and/or ticket to the operator, who validates
`the card and/or ticket and pays the patronan amount of money
`or prizes, or the patron inserts the card and/or ticket into a card
`and/or ticket-ready gaming or amusement device, whereby
`the gaming or amusement device provides the patron with a
`number of credits equal to the amount represented by or
`encoded in the card system or on the ticket.
`The controllers of the card and/or ticket-ready gaming
`devices are adapted to coordinate with the card and/or ticket
`validation system. For example, when a payout is issued the
`card and/or ticket is inserted into a card and/or ticket reader
`equipped in a gaming or amusement device, the ticket reader
`forwards information, which can be stored on a barcode in the
`instance of tickets, to the game's or amusement’s controller.
`The game or amusement controller recognizes this informa
`tion as card and/or ticket information and forwards the card
`and/or ticket information to a card and/or ticket validation
`system outside the gaming or amusement device. The card
`and/or ticket validation system analyzes the card and/or ticket
`information, and if the card and/or ticket is valid, the card
`and/or ticket validation system provides the game or amuse
`ment controller with an authorization to credit the gaming
`machine with the amount represented by the credits in the
`card system or represented by encoded value on the ticket.
`Alternatively, if the card and/or ticket validation system
`detects that the card and/or ticket is not valid, the card and/or
`ticket validation system instructs the game or amusement
`controller to reject the card and/or ticket. The card and/or
`ticket validation system may also log the failed attempt in a
`statistical database that will record the Information for future
`reference.
`Card and/or ticketing benefits each patron, not just those
`wishing to access funds from or near the gaming and/or
`amusement device. Gaming and amusement establishments
`have also become familiar with the card and ticketing systems
`and their proven performance. Card and ticketing systems are
`proliferating within the gaming and amusement industry.
`Accordingly, a need exists for an electronic funds transfer
`system that eliminates the inefficiency of the intermediary
`step of having to use an ATM cash machine to transfer money
`from a patron's bank account to a gaming device. Further
`more, a need exists for an electronic funds transfer system that
`utilizes the card and/or ticketing systems hardware and soft
`
`4
`ware as much as possible to avoid duplication of Such hard
`ware and Software in accounting for the transfer of the elec
`tronic funds.
`
`SUMMARY OF THE INVENTION
`
`The present invention provides a device, a system and a
`method for electronic funds transfers that originate from a
`gaming or amusement device using a secure ATM-like termi
`nal, to withdraw money electronically from a user's financial
`account, and to transfer credit to a slot, table or amusement
`host system. The amusement host system then dispenses a
`confirmation of credit at the gaming or amusement device,
`which can be a printed ticket of equivalent value, or issued
`credit to a player card confirmed at the gaming device or
`credits the gaming device directly. The electronic fund trans
`fer (EFT) system includes an EFT terminal that accepts
`secure PIN based ATM transactions at a gaming device, a
`secure payment gateway that routes transactions to the ATM
`network, and a system by which to route confirmation of
`funds to a funds management portal with appropriate infor
`mation on which gaming device is associated with the trans
`action. The funds management portal then connects to a host
`system and the host system specifies at which gaming device
`to print out the ticket or to which gaming device to credit the
`transferred funds. Alternatively, the EFT system is used to
`transfer funds from the user's financial account Securely to a
`prepaid debit card, which debit card may be a player card
`issued by the gaming facility for loyalty purposes. Such
`player cards can be used by the user just like any Visa, Master
`Card, or as an ATM card, and the player card can be used to
`track the user's spend and game playing and for the user to
`earn “Free Plays’ from the casinos, and earn other rewards for
`using their cards while playing games.
`In general, in one aspect, the invention features an elec
`tronic fund transfer system for managing and transferring
`electronic funds from a user's financial account to a credit
`system. The system includes a credit System configured to
`dispense credit to a user via physical or electronic credit
`means, an electronic fund transfer (EFT) device, a secure
`payment gateway configured to connect to the user's financial
`accounts via a financial asynchronous transfer mode (ATM)
`network, a host system connected to the credit System via a
`local network, a funds management portal connected to the
`host system and the secure payment gateway, and means for
`transferring electronic funds from the user's financial account
`to the credit System via the secure payment gateway. The
`funds management portal is configured to account and rec
`oncile the transferred electronic funds. All communications
`between the secure payment gateway and the host system
`pass through the funds management portal. The EFT device
`includes a secure client-side application for receiving instruc
`tions from the user for transferring electronic funds from the
`user's financial account to the credit system and means for
`transmitting the fund transfer instructions to the user's finan
`cial account. The EFT device is configured to connect to the
`secure payment gateway and to communicate with the user's
`financial account and to transmit the instructions for transfer
`ring electronic funds from the user's financial account to the
`credit system via the secure payment gateway.
`Implementations of this aspect of the invention may
`include one or more of the following features. The physical or
`electronic credit means may be tito tickets, Vouchers, chips,
`credits on a gaming device, credits on a remote electronic
`game, or credit to a player's card system. The system may
`further include a gaming device configured to receive the
`physical or electronic credit means. The EFT device may be a
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`EVERI EX. 1033; Page 10
`Everi v. Sightline IPR2022-00707
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`US 8,715,066 B2
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`payment card industry (PCI) and pin entry device (PED)
`certified device. The EFT device includes a point-of-sale
`(POS) personal identification number (PIN) entry keypad, a
`payment card reader, a display, network connectivity mod
`ules, a printer, a printer port, secure mobile applications and
`one or more EFT applications. The payment card reader may
`be a Smart card reader, magnetic card reader, contactless card
`reader, proximity mobile payments reader that enables com
`munication with Smartphone devices or contactless proxim
`ity card reader that processes secure Smart ticketing and elec
`tronic payments using contactless secure mobile commerce
`technology. The means for transmitting the fund transfer
`instructions from the EFT device to the user's financial
`account may be secured wireless data network, or secured
`wired data network. One of the EFT applications may be a
`user interface application and the user interface application
`includes one or more fields identifying the credit System to
`which the electronic funds are to be transferred, ATM net
`work, type of transaction, electronic fund amount to be trans
`ferred, date, time, name of host system, or name of user. The
`funds management portal includes a database with encrypted
`data, a communication interface to the secure payment gate
`way, a communication interface to the host system, an opera
`tor user application, a firewall between the funds manage
`ment portal and the host system, and a firewall between the
`funds management portal and the secure payment gateway.
`The database includes encrypted data for each electronic fund
`transaction and the encrypted data comprise at least one of
`EFT device ID, transaction ID, credit system ID, user's name,
`host system's name, transaction value, date, or time. The
`secure payment gateway connects to the ATM network via a
`single, secure, access controlled connection. The connection
`is access controlled by an application privilege protocol and
`secured by an application security protocol and the applica
`tion privilege protocol is managed by the secure payment
`gateway and comprises a first table associating Global
`Unique Identifiers (GUIDs) of EFT applications, ATM net
`works, and user financial accounts available to the EFT
`device. The application security protocol comprises one of
`secure HTTP (S-HTTP), link encryption or web services
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`security (WS-S). The secure client-side application com
`prises an application user interface. The EFT device com
`prises a communication device upon which the client-side
`application is executed. The EFT device may be a mobile
`phone, Smartphone, personal digital assistant (PDA), pay
`45
`ment module, portable computer, personal computer, server,
`or a computing circuit. The system may further include a
`printer connected to the credit system and the printer is con
`figured to print tickets and Vouchers. The gaming device may
`be a slot machine, a table game device, a betting parlor, kiosk,
`poker, pan, pai gow, race and sports book, race track, pari
`mutuel betting, keno, bingo, or an amusement device. The
`system may further include a plurality of EFT devices and a
`plurality of printers connected to a plurality of gaming
`devices. The ATM network may be one of PLUS, STAR,
`CIRRUS, INTERLINK, MONEY PASS or NYCE. The net
`work connectivity modules may be Bluetooth, infrared, opti
`cal, radio frequency, GPRS, satellite, wired, or wireless mod
`ules. The EFT device requests functionality from the secure
`payment gateway via one of Extensible Mark-up Language
`(XML) messages embedded in Simple Object Access Proto
`col (SOAP) requests, Action Script Message Format (AMF),
`or Secure Mobile Application Platform (SMAP).
`In general, in another aspect, the invention features an
`electronic fund transfer method for managing and transfer
`ring electronic funds from a user's financial account to a
`credit system. The method includes the following steps. First,
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`providing a credit System configured to dispense credit to a
`user via physical or electronic credit means. Next, providing
`an electronic fund transfer (EFT) device comprising a secure
`client-side application for receiving instructions from the
`user for transferring electronic funds from the user's financial
`account to the credit System and means for transmitting the
`fund transfer instructions to the user's financial account.
`Next, providing a secure payment gateway configured to con
`nect to the user's financial accounts via a financial asynchro
`nous transfer mode (ATM) network. Next, providing a host
`system connected to the credit System via a local network.
`Next, providing a funds management portal connected to the
`host system and the secure payment gateway and configured
`to account and reconcile the transferred electronic funds. All
`communications between the secure payment gateway and
`the host system pass through the funds management portal.
`Next, connecting the EFT device to the secure payment gate
`way and communicating with the user's financial account and
`transmitting the instructions for transferring electronic funds
`from the user's financial account to the credit system via the
`secure payment gateway. Finally, transferring electronic
`funds from the user's financial account to the credit System
`via the secure payment gateway.
`In general, in another aspect, the invention features a
`method for managing and transferring electronic funds from
`a user's financial account to a credit System. The method
`includes the following steps. First, providing an electronic
`fund transfer (EFT) device. Next, initiating an application in
`the EFT device via a payment instrument, thereby causing the
`EFT device to send a request to a secure payment gateway to
`connect to an ATM network of the user's financial account
`associated with the payment instrument. Next, checking if the
`payment instrument is acceptable by the secure payment
`gateway, and if the payment instrument is acceptable, sending
`a response to the EFT device comprising a user interface of
`the financial application associated with the payment instru
`ment. Next, entering user name and PIN in the user interface
`by the user and sending the entered information to the Secure
`payment gateway. Next, sending a request comprising a
`GUID of the financial application associated with the pay
`ment instrument, user name, user's financial account and
`user's PIN to an ATM network server. Next, sending the
`received request from the ATM network server to a financial
`server of the user's financial account. Next, confirming access
`to the financial application via the secure payment server to
`the EFT device by the financial server and presenting avail
`able electronic fund transactions to the user via the user
`interface. Next, selecting desired electronic fund transaction
`by the user and entering electronic fund transaction details in
`user interface fields. Next, sending desired electronic fund
`transaction details to the financial server via the secure pay
`ment server. Next, processing requested desired electronic
`fund transaction by the financial server and sending elec
`tronic fund transaction confirmation to the secure payment
`server. Next, sending electronic fund transaction confirma
`tion to the EFT device and to the funds management portal by
`the secure payment server. Next, transferring the electronic
`fund transaction confirmation to a host system by the funds
`management portal. Next, transferring the electronic funds to
`a credit system by the host system and printing a ticket indi
`cating electronic funds transacted via a printer connected to
`the credit System or crediting a specific gaming device.
`Finally, receiving the printed ticket by the user and using it in
`a gaming device or cashing it out. The payment instrument
`may be a payment card, Smart card, magnetic card, contact
`less card, Smartphone or a proximity card.
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`EVERI EX. 1033; Page 11
`Everi v. Sightline IPR2022-00707
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`US 8,715,066 B2
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`7
`Among the advantages of this invention may be one or
`more of the following. The invention provides a gaming or
`amusement device having an EFT system that employs exist
`ing card and ticket system hardware where applicable. The
`EFT system incorporates secure ticketing and banking net
`works. Furthermore, the invention provides a method o